I'm working for a private bank in the capacity of Branch Manager with a small team of 07 members. My branch marketing officer collects money on daily basis from client to deposit their savings accounts. recently 03 clients visited me & complained that they doubt about the actual balance available in their account. In my investigation I found that he has not deposited the collected money some days. That particular member agreed that he has used that money for is urgent needs & repaid the respective clients immediately. I'm of the opinion of terminating him.. any comments pls.